Flood Insurance

Flood Damage Prevention Ordinance 

FEMA Flood Risk Map Review

The Village of The Hills has joined over 20,000 communities nationwide that are allowed to purchase federally backed flood insurance. This availability follows the community’s adoption and enforcement of ordinances to reduce flood losses and acceptance by the National Flood Insurance Program (NFIP).

What it Entails
The Village of The Hills is now a participant in the NFIP effective on November 15, 2006. Residents of the Village of The Hills will be able to purchase flood insurance up to the limits under the Regular Phase of the program. However, there is a 30-day waiting period before flood insurance coverage goes into effect. For single-family dwellings, the building coverage limit is $250,000 and the contents coverage limit is $100,000. Renters can also protect their belongings by purchasing contents coverage.

Federal Disaster Protection Act of 1973
Lenders must require borrowers whose properties are located in a designated flood hazard area to purchase flood insurance as a condition of receiving a federally backed mortgage loan in accordance with the Federal Disaster Protection Act of 1973.

Participating Communities
The NFIP is implemented through the Federal Emergency Management Agency. There are over 4 million flood insurance policies in more than 20,000 participating communities nationwide.

Further Information
Questions regarding the above should be addressed to either the Village of The Hills Flood Plain Administrator at 512-261-6281 or your personal insurance carrier.